Nedbank personal loans - The most pathetic *********** department in the SA banking industry

Applying for a Nedbank personal loan must surely be one of the most horrible experiences any South African consumer can go through. Firstly they had my status as "being under legal" even though my previous personal loan was settled well over almost 2 years ago (for which they issued a paid up letter). They finally, apparently updated their system today (well over a year later). Secondly, I as the consumer is supposed to contact the credit bureau to ask the for my credit score (this must surely be the joke of the century) as Nedbank is surely integrated into the major credit bureaus in the country. Nedbank personal loans is definitely rating -0 for their pathetic service. I remember the runaround they gave my wife not so long ago where she had to resubmit the same documents over 5 times because of the *********** 'consultants" that she dealt with (loosing her documents, attaching it to the wrong customers' profiles on their systems ect)........... I get the feeling that the personal loan department is outsourced as you don't receive this type of service at the other Nedbank divisions. PS - I'm not expecting any competent service from Nedbank personal loans in the next day or 2 as that will surely be a miracle .